UMB Financial (FRA:UMB) Retained Earnings : €2,983 Mil (As of Mar. 2025)

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What is UMB Financial Retained Earnings?

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. UMB Financial's retained earnings for the quarter that ended in Mar. 2025 was €2,983 Mil.

UMB Financial's quarterly retained earnings increased from Sep. 2024 (€2,770 Mil) to Dec. 2024 (€3,032 Mil) but then declined from Dec. 2024 (€3,032 Mil) to Mar. 2025 (€2,983 Mil).

UMB Financial's annual retained earnings increased from Dec. 2022 (€2,394 Mil) to Dec. 2023 (€2,578 Mil) and increased from Dec. 2023 (€2,578 Mil) to Dec. 2024 (€3,032 Mil).

UMB Financial Retained Earnings Historical Data

The historical data trend for UMB Financial's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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UMB Financial Retained Earnings Chart

UMB Financial Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Retained Earnings

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1,554.60

1,926.64

2,394.07

2,577.53

3,032.08

UMB Financial Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Retained Earnings	Get a 7-Day Free Trial															2,670.86	2,772.28	2,770.23	3,032.08	2,983.00

UMB Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

UMB Financial (FRA:UMB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

UMB Financial Business Description

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UMBF:USA

Address

1010 Grand Boulevard, Kansas City, MO, USA, 64106

Website

https://www.umb.com

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

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